BETWEEN
ISHAAN FINANCIAL SERVICE
and
DSA PARTNER

Recitals

WHEREAS the Company is engaged in financial product distribution, sourcing and customer support activities, subject to applicable law and partner policies; and WHEREAS the DSA Partner wishes to source prospective customers and assist with the application process on the terms of this Agreement.

NOW THEREFORE, the parties agree to the following terms and conditions.

1. Appointment & Scope of Work

1. The Company appoints the DSA Partner on a non-exclusive basis to identify and refer prospective customers for loans and other financial products, subject to product availability and lender policies.
2. The DSA Partner may explain product features using only approved Company/lender material and may assist customers in completing forms and compiling documents.
3. The DSA Partner shall not represent that a loan is guaranteed, sanctioned, or disbursed unless such status is formally confirmed by the relevant lender.
4. The DSA Partner shall not collect or retain original KYC documents except where expressly permitted and operationally necessary, and shall return originals promptly.
5. The DSA Partner shall not alter, fabricate, suppress or misrepresent any customer information, document, income, employment, business, property or credit information.

2. Products Covered

The arrangement may cover personal loans, business loans, home loans, loan against property, working capital, project funding, insurance/investment-related referrals and other products specifically authorized by the Company. Each product remains subject to the applicable lender/insurer/institution's eligibility, underwriting, pricing and documentation rules.

3. Customer Sourcing & Conduct

1. All customer acquisition shall be lawful, transparent and non-coercive.
2. The DSA Partner shall disclose that it is acting as a sourcing/referral partner and shall not impersonate a bank, NBFC, insurer, government authority or other regulated entity.
3. No false promise regarding interest rate, approval, tenure, disbursement time, credit score or waiver of charges shall be made.
4. No customer shall be charged an undisclosed fee. Any permitted fee must be communicated transparently and documented.
5. Customer complaints, disputes, suspected fraud or data incidents shall be escalated to the Company without undue delay.

4. Documentation & Verification

Documents are indicative only. The relevant lender's current checklist and verification process will prevail.

5. Commission / Incentive & Settlement

1. The DSA Partner shall be eligible for commission/incentive only as per the Company's prevailing written payout policy applicable to the relevant product, lender, case and period.
2. Payout may depend on login, approval, disbursement, quality checks, clawback conditions, lender reversals and receipt of funds by the Company.
3. Where a lender or Company reverses a case, cancels a payout, identifies fraud/misrepresentation, or applies a clawback, the corresponding amount may be adjusted from future eligible payouts, subject to applicable law and agreed policy.
4. The DSA Partner is responsible for applicable taxes, invoices, records and statutory compliances arising from its income.

6. Confidentiality

1. Confidential information includes customer data, pricing, lender policies, login credentials, business processes, documents, reports, commissions and internal communications.
2. The DSA Partner shall use confidential information solely for authorized business purposes and shall not disclose it to unauthorized persons.
3. Confidentiality obligations survive termination to the extent required by law and the nature of the information.

7. Data Protection & Customer Consent

1. The DSA Partner shall collect only information reasonably required for the authorized application and shall obtain appropriate customer consent where required.
2. Customer data shall be transmitted only through approved channels and shall be protected against unauthorized access, copying, disclosure or misuse.
3. Data shall not be sold, shared for unrelated marketing, used for personal purposes or uploaded to unauthorized third-party services.
4. Any suspected loss, breach, unauthorized disclosure or cyber incident involving customer information must be reported to the Company immediately.

8. Anti-Fraud, Anti-Bribery & Ethical Standards

The DSA Partner shall not forge documents, create fictitious customers, manipulate bank statements, misstate income, accept kickbacks, bribes or unlawful consideration, or engage in money laundering, identity theft, coercion or any deceptive practice. The Company may suspend or terminate the relationship where serious misconduct is suspected, subject to applicable law and contractual rights.

9. Compliance & Regulatory Standards

1. The parties shall comply with applicable central/state laws, lender policies, consumer-protection requirements, KYC/AML requirements, privacy/data-protection requirements and lawful instructions issued by relevant authorities.
2. The DSA Partner shall follow the latest written process notes, circulars and approved scripts supplied by the Company or relevant lender.
3. No authority is granted to the DSA Partner to approve loans, alter lender underwriting decisions, modify sanction conditions, collect unauthorized charges or issue official lender documents.
4. Where the Company or lender requires additional verification, the DSA Partner shall cooperate and provide accurate records.

10. Intellectual Property & Branding

Company and lender names, trademarks, logos, forms, promotional materials and digital assets may be used only with authorization and in the approved format. The DSA Partner shall stop using such materials immediately on request or termination.

11. Non-Exclusivity & No Employment Relationship

This Agreement is non-exclusive unless a separate written arrangement states otherwise. The DSA Partner is an independent sourcing/referral partner and is not an employee, agent with authority to bind the Company, joint venture partner or franchisee merely by virtue of this Agreement.

12. Records, Audit & Cooperation

The Company may reasonably request case records, customer-consent evidence, sourcing details and supporting documents for audit, compliance, payout verification or lender review. The DSA Partner shall cooperate and preserve relevant records for the period required by law or Company policy.

13. Term & Termination

1. This Agreement shall remain valid for 12 (twelve) months from the effective date unless renewed or terminated earlier.
2. Either party may terminate by giving 30 days' written notice, unless immediate termination is permitted under this Agreement or applicable law.
3. Immediate suspension/termination may be considered for fraud, serious misconduct, confidentiality breach, data misuse, regulatory violation or material misrepresentation, subject to applicable law.
4. Termination does not automatically extinguish accrued payment, confidentiality, data-security, indemnity or dispute-resolution obligations.

14. Indemnity & Limitation

The DSA Partner shall be responsible for losses directly arising from its fraud, wilful misconduct, unauthorized representation, unlawful collection, document tampering or misuse of customer/company data, to the extent permitted by law. Nothing in this Agreement excludes liability that cannot lawfully be excluded.

15. Dispute Resolution & Jurisdiction

The parties shall first attempt to resolve disputes through good-faith discussion. If unresolved, the dispute shall be subject to the courts having competent jurisdiction at Nadia, West Bengal, unless a mandatory law requires another forum.

16. Notices & Communication

Notices may be delivered through the registered email, written communication or other officially recorded contact details of the parties. Each party shall promptly update the other regarding changes in address, mobile number or email.

17. Amendment & Entire Agreement

Any amendment to this Agreement should be in writing and accepted by both parties. This Agreement, together with applicable written payout/product policies and approved process documents, represents the understanding between the parties regarding the DSA relationship.

18. Severability & Waiver

If any provision is held invalid or unenforceable, the remaining provisions shall continue to the extent permitted by law. Failure to enforce a provision at one time does not constitute a permanent waiver.

IN WITNESS WHEREOF

The parties have read and understood this Agreement and sign it voluntarily on the date stated on Page 1.

Legal/operational note: This is a customizable business template. Before execution, verify stamp duty, registration requirements, regulatory wording, privacy obligations, lender-specific DSA terms and applicable jurisdiction with qualified legal/compliance professionals.